SavvyCard Terms of Use and Privacy Policy

Terms of Use

This system (the “System”) is owned and operated by SavvyPhone, LLC (referred to herein as “SavvyPhone”, “we”, “us” and “our”). Your use of the System is subject to the following terms and conditions.

CONSENT:

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS MOBILE AND WEB SYSTEM (“SYSTEM”). BY VISITING OR USING THIS SYSTEM, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THIS SYSTEM. You acknowledge that these Terms of Use are supported by reasonable and valuable consideration, the receipt and sufficiency of which are hereby acknowledged. Without limiting the generality of the foregoing, you acknowledge that such consideration includes your use of the System and receipt of data, materials and information available at or through the System, the possibility of our use or display of your Submissions (as defined below) and the possibility of the publicity and promotion from our use or display of your Submissions.

ADDITIONAL TERMS:

Note that special terms apply to some services offered on the System, such as subscription-based services, product purchases and rules for particular contests or sweepstakes or other features or activities. These terms are posted in connection with the applicable service. Any such terms are in addition to these Terms of Use and, in the event of a conflict, prevail over these Terms of Use. Some of the services offered on the System utilize the Google Maps service. Your use of Google Maps is subject to Google’s terms of use, located at https://www.google.com/intl/en_us/help/terms_maps.html (including the Google Privacy Policy located at https://www.google.com/intl/ALL/policies/privacy/index.html).

MODIFICATION; DISCONTINUANCE:

We reserve the right to modify or otherwise update these Terms of Use at any time and you agree to be bound by such modifications, updates and revisions. Any changes will be effective immediately upon posting the revised version of these Terms of Use to the System at (https://www.savvycard.com/terms). Your continued use of the System after the effectiveness of such changes will constitute acceptance of and agreement to any such changes. You further waive any right you may have to receive specific notice of such changes to these Terms of Use.

During the initial registration, and periodically thereafter, each SavvyCard user may be required to click “Accept” for the Terms of Use thus acknowledging and consenting to its contents. Additionally, any future material revisions to these Terms of Use may require an additional “Accept” prior to re-entry into the System.

You are responsible for regularly reviewing these Terms of Use at (https://www.savvycard.com/terms) to review the current terms. We may change the System or delete Content (as defined below) or features of this System at any time, in any way, for any or no reason at our discretion. We may alter, suspend or discontinue the System at any time to you and/or to others, without notice.

SavvyPhone does not assert copyright or grant any rights to the images or descriptions of real estate listings provided through the System. Any use of these images and descriptions is subject to the copyright owner’s permission and/or the requirements of applicable law.

INTELLECTUAL PROPERTY:

SavvyPhone, SavvyCard, SavvyView, SavvyDecks, SavvyIDX and Send To Mobile are registered trademarks and/or trademarks of SavvyPhone in the United States and/or other countries. Unless otherwise noted, the trademarks, service marks, trade dress, trade names, and logos (collectively "Trademarks") used and displayed on this System are our registered and unregistered Trademarks and the Trademarks of our licensors. Nothing on this System should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark displayed on the System. Our Trademarks and those of our licensors may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers or any third parties, or in any manner that disparages or discredits us. You may not use any of SavvyPhone’s trademarks as part of your User Account name or email address on the System. All other trademarks not owned by SavvyPhone that appear on this System are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by SavvyPhone.

One or more patents apply to this System and to the features and services accessible via the System, including without limitation: U.S. Patent No. 9,625,344 and all corresponding foreign counterparts.

USE OF SYSTEM AND CONTENT:

This System, upon registration (also known as “subscribing”) currently provides Subscribers various services and functionally, such as the ability to create, view, maintain and share personal information through a “SavvyCard” (which is created and delivered through our proprietary systems such as SavvyDecks, CardBuilder, CardFinder, etc.); various reference and communications tools, (newsletters, blogs etc.); and forums, shopping services, and personalized content (collectively referred to as the “Services”). Although the subscription to this system is free, several Services offered by SavvyPhone are provided for an additional fee. You also understand and agree that the Service may include sponsorships or advertisements. Unless explicitly stated otherwise, any new features that augment the current Service, including the release of new services, shall be subject to these Terms of Use.

You are responsible for obtaining access to the Service and you acknowledge that access may involve third party fees (such as Mobile or Internet service provider, data packages, text packages or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

We grant you a limited, revocable, non-exclusive license to access and make personal use of the System and the Content, subject to these Terms of Use. This license does not include any resale or commercial use of this System or its contents; any derivative use of this System or its contents; any downloading or copying of account information for the benefit of another; or any use of data mining, robots, or similar data gathering and extraction tools. Neither this System nor any portion of this System or any Content may be reproduced, duplicated, copied, sold, resold or otherwise exploited for any private, non-profit, or commercial purpose that is not expressly permitted by us in writing, except that where the System is configured to enable the download of particular Content, you may download Content to computers, Internet enabled cellular phones or tablet devices for your personal, noncommercial use only, provided that you: (a) keep intact all copyright and other proprietary notices, (b) make no modifications to the Content, and (c) do not use the Content in a manner that suggests an association with any of our products, services, or brands. We reserve the right to refuse services, and/or cancel orders at our discretion if we believe that user conduct violates applicable laws or is harmful to our interests. As a limited exception, publicly available search engines may query the System and provide links to the System’s web pages only to the extent such unlicensed “fair use” is allowed by applicable copyright law.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of SavvyPhone without express written consent. You may not use any meta tags or any other “hidden text” utilizing SavvyPhone’s name or trademarks without the express written consent of SavvyPhone. Any unauthorized use terminates the permission or license granted by SavvyPhone. Only by clicking “Accept” for this Terms of Use and our Privacy Policy are you are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of SavvyCard® or other Internet Sites owned by SavvyPhone so long as the link does not portray SavvyPhone or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any SavvyPhone logo or other proprietary graphic or trademark as part of the link without express written permission.

In the event that we offer downloads of software or other content (such as native or non-native applications) from this System and you download such software or other content, the software or other content, including any files, images incorporated in or generated by the software or other content, and data accompanying the software (collectively the “Software”) are licensed to you by us or third party licensors for your personal, non-commercial use only. We do not transfer title to the Software to you. You may not distribute or otherwise exploit the Software or decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-readable form.

REAL ESTATE SERVICES:

SavvyPhone is not a licensed real estate broker and does not broker real estate transactions. SavvyPhone does not act as a real estate agent for you or any other user. SavvyPhone does not buy, sell, or negotiate the purchase, sale, or exchange of real estate. SavvyPhone does not rent or lease, offer to rent or lease, or negotiate the lease of real estate or otherwise aid or assist in the lease of real estate.

SavvyPhone is not a mortgage broker, loan originator, loan processor, lender or underwriter. SavvyPhone does not aid or assist borrowers in obtaining loans.

As a consumer, you agree to use the Services for your personal use. Acting in their professional capacity, the commercial use of the Services by real estate agents, lending professionals and other companies providing home services, is limited to providing information to consumer clients via the Services or where authorized, taking actions on behalf of a consumer client.

As a consumer, if you choose to contact one of these professionals or companies through the Services, you authorize SavvyPhone to provide your name, contact information and other identifying information you provide to the professional or company you have chosen. You acknowledge that by submitting your contact request through the Services, you may receive telemarketing calls from or on behalf of the professional or company you have chosen at the telephone number(s) you provided, even if you are listed on a federal, state, provincial or other applicable “Do Not Call” list. The Services may provide phone numbers that can connect you with SavvyPhone, its service providers or other third parties, such as real estate agents and companies offering home services. Some of these phone numbers may be provided by a third party service (“Calling Service”). Calls through the Calling Service may be recorded or monitored for quality assurance and customer service purposes. Should you make a call to SavvyPhone or through a Calling Service, you consent to such recording and monitoring. Calls to SavvyPhone that are recorded will be treated in accordance with its Privacy Policy.

HOME SERVICES DIRECTORIES:

SavvyPhone operates and manages programs (“Find Services”) for its partners (Real Estate Associations, Real Estate Brokerages, Multiple Listing Services (MLSs)). Find Services programs include directories of professionals and companies (“Service Providers”) providing Home Services. You can search these directories for Service Providers who provide the services you are looking for. We do not guarantee that there will be specific Service Providers in your area, or that they will be capable or willing to provide the services you are looking for. Other users of the System may also refer Service Providers to you, either at your request, or because of your status as a home owner, home buyer or home seller.

The System allows Service Providers to post content about themselves and their business. We do not review or verify the information or representations contained in such content, except as expressly detailed below (“Service Provider Screening”). We therefore make no representations or warranties regarding any content posted by a Service Provider, and assume no liability for such content.

The System allows other users of the System to post content (Testimonials, Reviews, Ratings) reflecting their opinions of specific Service Providers. Such content does not reflect or represent the opinions or representations of SavvyPhone. SavvyPhone does not endorse such content and disclaims any and all representations or warranties with regard to such content. You represent and warrant that any such content provided by you is accurate and truthful, and is for a Service Provider that has performed services for you.

The System and our Messaging Services provide content relating to home services (home maintenance, repair, improvement). Such content is provided “As-Is”, without any representations or warranties and you assume all liability and responsibility for your use of such content. You understand and agree that such content does not provide advice and is no substitute for the advice of a professional.

The System and our Messaging Services may inform you of a Service Provider’s offers and discounts. Such offers and discounts are made solely by the Service Provider and we do not warrant or guarantee discounts or pricing a Service Provider may offer you. Any estimates or quotes provided to you by Service Providers via the System are for informational purposes only, and are not contractually binding offers. To contract with a Service Provider, you must work directly with a Service Provider.

Disclosure: SavvyPhone receives advertising and related fees from the Service Providers who are listed in the Find Services programs and directories. You of course are free to shop around and use any provider you like.

Service Provider Screening. Using information provided to us by the Service Provider (e.g., Name of Company or Owner, Federal Tax ID, details of applicable licenses), SavvyPhone performs screening at the time the Service Provider applies for inclusion in one or more Home Services Directories. The screening criteria and procedure may change from time to time at the sole discretion of SavvyPhone. Where applicable, the screening criteria used are:

Full license check or a statement from the Service Provider that one is not required for the services they perform.

Check Service Provider’s Better Business Bureau (BBB) Rating and obtain a copy of any records.

Check for any significant state-level civil judgements entered against the Service Provider, e.g., bankruptcy and liens.

While we attempt to maintain accurate and up to date information and confirm changes when notified, we do not represent or warrant that the screening information which includes information from government agencies (federal, provincial, state) and third-party sources is up to date, accurate or error free. Depending upon your local authorities or the type of work being performed, there may be additional licensing requirements. We recommend that before working with a Service Provider you verify that they (and their sub-contractors, if any) carry all the appropriate licensing.

SAVVYPHONE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED RELATING TO THE SCREENING CRITERIA OR PROCEDURE, INCLUDING BUT NOT LIMITED TO FITNESS FOR A PARTICULAR USE, OR THAT THE SCREENING CRITERIA OR PROCEDURE ARE SUFFICIENT.

SavvyPhone does not recommend or endorse any particular Service Provider. We make no representations or warranties of any kind, express or implied, about the skills, reliability, quality, or performance, for any purpose, of any of the Service Providers. It is entirely up to you to evaluate a Service Provider’s qualifications and decide whether to enter into a direct contract with them. The Service Providers are not employees or agents of SavvyPhone, nor is SavvyPhone an agent of the Service Providers.

Should you have a dispute with a Service Provider who you learnt about through a Find Services program, you must address the dispute with the Service Provider directly. However, upon your request, we may provide limited assistance in resolving a dispute between you and a Service Provider. You must participate and use good faith efforts to assist SavvyPhone’s Customer Service in accurately documenting the problem and your desired resolution. SavvyPhone will communicate this information to the Service Provider. Within thirty (30) days of SavvyPhone providing this information to the Service Provider, SavvyPhone will contact you and the Service Provider to determine if the dispute was resolved. While we cannot ensure resolution, after review of a dispute, SavvyPhone reserves the right to remove a Service Provider from any Find Services Program in which they are a participant.

YOU HEREBY AGREE TO RELEASE SAVVYPHONE (AND OUR OFFICERS, DIRECTORS, PARTNERS, AFFILIATES, EMPLOYEES AND AGENTS) FROM ANY DAMAGES OR CLAIMS (INCLUDING CONSEQUENTIAL AND INCIDENTAL DAMAGES) OF EVERY KIND OR NATURE, SUSPECTED AND UNSUSPECTED, KNOWN AND UNKNOWN, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH DISPUTES AND YOUR DEALINGS WITH SERVICE PROVIDERS.

MESSAGING SERVICES:

SavvyPhone’s Terms of Use includes this Acceptable Use Policy ("AUP") to encourage the responsible and reasonable use of the System’s messaging services (“Messaging Services”). Messaging Services means any of the System’s Electronic Message services, including but not limited to email, SMS, Short Code SMS and MMS. By using the Messaging Services, you agree to be bound by the terms of this AUP. SavvyPhone reserves the right to change or modify this AUP at any time, with any such changes or modifications effective when posted to SavvyPhone’s website, (https://www.savvycard.com/terms) Use of the Messaging Services after any such change or modification constitutes your acceptance of the change or modification to this AUP.

You are prohibited from using the Messaging Services to send messages that contain advertising or a commercial solicitation to any person or entity without their consent. You must not use our Messaging Services to send messages that: (a) are bulk messages; (b) are automatically generated; (c) can disrupt our System; (d) harass or threaten another person; (e) interfere with another customer’s use or enjoyment of our services; (f) generate significant or serious customer complaints; (g) that falsify or mask the sender/originator of the message; or (h) violate any law or regulation. Violation of the CAN-SPAM Act of 2003, or any other applicable law regulating Electronic Messaging constitutes a violation of this AUP.

In addition to any other actions SavvyPhone may take for violations of this AUP, if in our sole discretion we reasonably believe that you are using the Messaging Services in any manner that is prohibited or excessive, then we may without advance notice: (a) suspend or terminate Messaging Services for your User Account and any associated User Account(s); and/or (b) suspend or terminate your User Account and any associated User Account(s).

Short Code SMS Messaging Service:

When you opt-in to the Short Code SMS Messaging Service, we will send you an SMS message to confirm your signup.

You can cancel the Short Code SMS Messaging Service at any time. Just text "STOP" to 72889. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive Short Code SMS messages from us.

If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If at any time you forget what keywords are supported, just text "HELP" to 72889. After you send the SMS message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

We are able to deliver messages to the following mobile phone carriers:

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive 1 message/your request. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

For all questions about the Messaging Services provided by this Short Code (72889), you can send an email to: support@savvycard.com

ONLINE PAYMENTS:

You can purchase products and/or services on our Site. We accept credit cards issued by U.S. banks; credit cards registered/owned outside the U.S. may be subject to a 5 day waiting period prior to completing the registration/subscription process. Other forms of payment may include certain debit cards and ACH transfers, etc. If a credit card account is being used for a transaction, we may obtain preapproval for an amount up to the amount of the payment. If you enroll to make recurring payments automatically, all charges and fees will be billed to the credit card you designate during the setup process. If you want to designate a different credit card or if there is a change in your credit card, you must change your information online. This may temporarily delay your ability to make online payments while we verify your new payment information.

You represent and warrant that if you are making online payments that (i) any credit card information you supply is true, correct and complete, (ii) charges incurred by you will be honored by your credit card company, (iii) you will pay the charges incurred by you in the amounts posted, including any applicable taxes, and (iv) you are the person in whose name the card was issued and you are authorized to make a purchase or other transaction with the relevant credit card and credit card information.

TYPOGRAPHICAL ERRORS AND INCORRECT PRICING:

In the event a product or service is listed at an incorrect price due to typographical error or error in pricing information received from our suppliers, we shall have the right to refuse or cancel any orders placed for product / service listed at the incorrect price. We shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit or debit card charged. If your credit or debit card has already been charged for the purchase and your order is canceled, we shall immediately issue a credit to your credit or debit card account in the amount of the incorrect price.

LINKING:

Links to third party systems may be provided on this System. If so, they are provided solely as a convenience to you. If you use such links, you will leave this System. We have not reviewed all such third party sites (if any) and do not control and are not responsible for any of these systems and their content. We do not endorse or make any representations about such systems or any information or materials found there, or any results that may be obtained from using them. If you access any third party systems linked from this System, you do so at your own risk.

Except as set forth above in Use of System and Content, no other hyperlinks, other than that which is created by your registration to SavvyCard are permitted without our prior written consent. If you would like to link to this System from your system, please submit your request via email to: linkrequest@savvycard.com. Unless you receive our express written consent, your request to link to this System shall be deemed denied. Unless otherwise permitted in writing signed by an authorized representative of SavvyPhone a system that links to this System:

Shall not imply, either directly or indirectly, that SavvyPhone or its principals are endorsing its products;

Shall not use any of our Trademarks or the Trademarks of our licensors;

Shall not contain content or material that could be construed as offensive, controversial or distasteful and should only contain content that is appropriate for all age groups;

Shall not disparage us or our products in any way or otherwise negatively affect or harm our reputation and goodwill;

Shall not present false or misleading information about us;

Shall not misrepresent any relationship with us;

Shall not replicate in any manner any content in the System; and

Shall not create a browser or border environment around System material.

CLAIM OF COPYRIGHT INFRINGEMENT:

We deeply respect the intellectual property rights of others. If you believe that your copyrighted property has been copied in any way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide our copyright agent the information specified below. Please note that this procedure is exclusively for notifying us that your copyrighted material has been infringed. To be effective, the notification must be a written communication that includes the following:

A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;

A description of the copyrighted work that you claim has been infringed;

A description of the location where the alleged infringing material is located on the System;

Your physical address, telephone number, and email address;

A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or by the law; and

A statement by you, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

You must deliver this notification to our designated Copyright Agent at the address indicated below.

We may give you notice that we have removed or disabled access to certain material by means of a general notice on the System, electronic mail to a user's e-mail address in our records, or by written communication sent by first-class mail to your physical address in our records. If you receive such a notice, you may provide counter-notification in writing to our copyright agent that includes the information below. To be effective, the counter-notification must be a written communication that contains the following:

Your physical or electronic signature;

Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;

A statement from you, under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and

Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a Federal Court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any federal judicial district within the United States in which SavvyPhone may be found, and that you will accept service of process from the person who provided notification of allegedly infringing material or an agent of such person.

Our Copyright Agent for notice of claims of copyright infringement on this System can be reached as follows:

By communicating a Submission to us, you represent and warrant that the Submission and your communication thereof conform to the Rules of Conduct set forth below and all other requirements of these Terms of Use, and that you own or have the necessary rights, licenses, consents and permissions, without the need for any permission from or payment to any other person or entity, to exploit, and to authorize us to exploit, such Submission in all manners contemplated by these Terms of Use; that use of the Submission does not violate these Terms of Use; will not cause injury to any person or entity; and that you will indemnify SavvyPhone for all claims resulting from content you supply.

You agree that you shall not post or transmit to or from this System any Submissions that are unlawful, threatening, libelous, defamatory, obscene, scandalous, threatening, inflammatory, invasive of privacy, pornographic or profane material, any other material that could give rise to any civil or criminal liability under the law, and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. SavvyPhone reserves the right (but not the obligation) to remove or edit such content, but may not regularly review posted content.

ACCOUNTS:

The use of certain products or services on this System permit or require you to subscribe which means to create an account ("User Account") to participate in or to secure additional benefits. Should you choose to register/subscribe, you agree to provide, maintain and update true, accurate, current and complete information ("Registration Information") about yourself as prompted by our registration/subscription processes. You are responsible for updating and maintaining the accuracy of Registration Information. You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person's username, password or other account information, or another person's name, likeness, voice, image or photograph. You also agree to promptly notify us of any unauthorized use of your username, password, other account information, or any other breach of security that you become aware of involving or relating to this System.

If you use this System, you are responsible for maintaining the secrecy and security of any personal or User Account information, including but not limited to, your User Name and password. You are also responsible for restricting access to your computer, Internet capable cellular Phone and/or tablet PC, and you agree that you are responsible and liable for all activities that occur under your account or password. Only an authorized licensed Subscriber is permitted to use the password-protected content within SavvyPhone. If you provide or disclose your User Name, Password, or otherwise knowingly or unknowingly allow unauthorized access into the fee-based services, the original site license holder shall be responsible for and will be billed the applicable fee for each order an unauthorized user places. SavvyPhone is not responsible for any unauthorized use of your User Account. If you believe there has been unauthorized use of your User Account, you must notify SavvyPhone immediately. SavvyPhone reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.

If you provide any Registration Information that is untrue or inaccurate, not current, or incomplete, or if SavvyPhone suspects that your Registration Information is untrue, inaccurate, or incomplete, we may, in our sole discretion, suspend, terminate, or refuse future access to any Services. We may suspend or terminate your account and your ability to use the System or any portion thereof for failure to comply with these Terms of Use or any special items related to a particular service, for infringing copyright, or for any other reason whatsoever.

PUBLIC FORUMS AND COMMUNICATION:

"Public Forum" means an area or feature offered as part of this System that offers the opportunity for users to distribute Submissions for viewing by one or more System users, including, but not limited to (although the following may not yet be available on the System), a chat area, message board, instant messaging, mobile messaging, social community environment, profile page, conversation page, blog, or e-mail function.

You acknowledge that Public Forums and features offered herein are for public and not private communications, and you have no expectation of privacy with regard to any Submission to a Public Forum. We cannot guarantee the security of any information you disclose through any of these media; you make such disclosures at your own risk.

You are and shall remain solely responsible for the Submissions you distribute on or through the System under your username or otherwise by you in any Public Forum and for the consequences of submitting and posting the same. We have no duty to monitor any Public Forum.

You should be skeptical about information provided by others, and you acknowledge that the use of any Submission posted in any Public Forum is at your own risk. We are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in any Public Forum and we specifically disclaim any and all liability in connection therewith.

We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to any Submissions that you make to the System.

RULES OF CONDUCT:

The following Rules of Conduct apply to the System. By using the System, you agree that you will not upload, post, or otherwise distribute to the System any Submission that:

(a) is defamatory, abusive, harassing, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise offensive; (c) is violent, vulgar, obscene, pornographic, or otherwise sexually explicit; or (d) otherwise harms or can reasonably be expected to harm any person or entity;

is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing and/or drug use, harassment, theft, or conspiracy to commit any criminal activity;

infringes or violates any right of a third party including: (a) copyright, patent, trademark, trade secret or other proprietary or contractual rights; (b) right of privacy (specifically, you must not distribute another person's personal information of any kind without his or her express permission) or publicity; or (c) any confidentiality obligation;

contains a virus or other harmful component, or otherwise tampers with, impairs or damages the System or any connected network, or otherwise interferes with any person or entity's use or enjoyment of the System; or

(a) does not generally pertain to the designated topic or theme of the relevant Public Forum; (b) violates any specific restrictions applicable to a Public Forum, including its age restrictions and procedures; or (c) is antisocial, disruptive, or destructive, including "flaming", "spamming", "flooding", "trolling", and "griefing", as those terms are commonly understood and used on the Internet.

We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these Terms of Use, and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

REMOVAL OF SUBMISSIONS:

We reserve the right, but disclaim any obligation or responsibility, to: (a) refuse to post or communicate or remove any Submission from the System that violates these Terms of Use; and (b) identify any user to third parties, and/or disclose to third parties any Submission or personally identifiable information when we believe in good faith that such identification or disclosure will either (i) facilitate compliance with laws, including, for example, compliance with a court order or subpoena, or (ii) help to enforce these Terms of Use and/or protect the safety or security of any person or property, including the System. Moreover, we retain all rights to remove Submissions at any time for any reason or no reason whatsoever.

If this System is viewed internationally, you are responsible for compliance with applicable local laws.

PRIVACY

SavvyPhone respects your privacy and the privacy of other visitors to the System. To learn about our privacy practices and policies, please see our Privacy Policy. (https://www.savvycard.com/privacy).

CHILDREN:

SavvyPhone is committed to the safety of all children. Persons under the age of 18 may not register as a System Subscriber. SavvyPhone does not sell products or services for use or purchase by children. If you are under 18, you may use the systems only with the involvement of a parent or guardian. SavvyPhone does not solicit or knowingly collect personally identifiable information from children under the age of 13. If SavvyPhone obtains actual knowledge that it has collected personally identifiable information from a child under the age of 13, SavvyPhone will promptly delete such information from its database. Because SavvyPhone does not collect personally identifiable information from children under the age of 13, SavvyPhone has no such information to use or disclose to third parties.

ELECTRONIC COMMUNICATIONS:

When you visit SavvyPhone Internet Sites or send e-mails or SMS messages to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by SMS messages or by posting notices on this System. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Disclaimer of Warranties

THIS SYSTEM, THE OPERATION OF THIS SYSTEM, SOFTWARE, AND ALL INFORMATION, MATERIALS, PROUCTS, SERVICES, AND CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS SYSTEM (THE "CONTENT") IS PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, COMPATABILITY, AND NONINFRINGEMENT. WE DO NOT WARRANT THAT THE CONTENT IS ACCURATE, ERROR-FREE, RELIABLE OR CORRECT, THAT THIS SYSTEM WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SYSTEM OR THE SERVERS THAT MAKE SUCH CONTENT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS SYSTEM MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SYSTEM IS AT YOUR SOLE RISK.

YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRSENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF ANY CONTENT. YOU HEREBY IRREVOCABLY WAIVE ANY CLAIM AGAINST US WITH RESPECT TO CONTENT AND ANY CONTENT YOU PROVIDE TO THIRD PARTY SYSTEMS (INCLUDING CREDIT CARD AND OTHER PERSONAL INFORMATION). WE MAY IMPROVE OR CHANGE THE PRODUCTS AND SERVICES DESCRIBED IN THIS SYSTEM AT ANY TIME WITHOUT NOTICE. WE ASSUME NO RESPONSIBILITY FOR AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS IN THIS SYSTEM OR IN OTHER DOCUMENTS WHICH ARE REFERRED TO WITHIN OR LINKED TO THIS SYSTEM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITIES:

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES' RESPECTIVE RESELLERS, DISTRIBUTORS, SERVICE PROVIDERS OR SUPPLIERS, BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, PERSONAL INJURY (INCLUDING DEATH) AND PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, THAT RESULT FROM (A) THE USE OF, OR THE INABILITY TO USE, THIS SYSTEM OR CONTENT, OR (B) THE CONDUCT OR ACTIONS, WHETHER ONLINE OR OFFLINE, OF ANY OTHER USER OF THE SYSTEM OR ANY OTHER PERSON OR ENTITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR THE PARTICULAR SERVICE OR SYSTEM CAUSING SUCH LIABILITY. MOREOVER, UNDER NO CIRCUMSTANCES SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES' RESPECTIVE RESELLERS, DISTRIBUTORS, SERVICE PROVIDERS OR SUPPLIERS, BE HELD LIABLE FOR ANY DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM AN ACT OF FORCE MAJEURE OR CAUSES BEYOND OUR OR THEIR REASONABLE CONTROL.

WE MAY TERMINATE YOUR FURTHER ACCESS TO THE SYSTEM OR CHANGE THE SYSTEM OR DELETE CONTENT OR FEATURES IN ANY WAY, AT ANY TIME AND FOR ANY REASON OR NO REASON.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

GOVERNING LAW, JURISDICTION AND VENUE:

This System is created and controlled by us in the State of Florida. The laws of the State of Florida govern these Terms of Use,
without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or
relating to these Terms of Use or the System shall be filed, and that venue properly lies, only in the State or Federal courts
located in Pinellas County, State of Florida, and you hereby consent and submit to the personal jurisdiction of such
courts for the purposes of litigating any such action.

INDEMNIFICATION:

You are responsible for all actions taken via your User Account. You agree to defend and hold SavvyPhone, its affiliates and their respective officers, director, employees and agents harmless from any and all claims and demands made by any third party due to, or arising out of your breach of these Terms of Use, your use of the System, your violation of any law or the rights of a third party, or any Submission made through your User Account or that you otherwise make available through the System.

GENERAL PROVISIONS:

We make no representations that the Content on the System is appropriate or available for use in any particular location. Those who choose to access the System do so on their own initiative and are responsible for compliance with all applicable laws including any applicable local laws.

If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

No waiver of any provision of these Terms of Use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

YOU AGREE THAT ANY CAUSE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR THE SYSTEM MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED.

Supply of goods, services, and software through the System is subject to United States export control and economic sanctions requirements. By acquiring any such items through the System, you represent and warrant that your acquisition comports with and your use of the item will comport with those requirements. Without limiting the foregoing, you may not acquire goods, services or software through the System if: (a) you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan or Syria or if you are on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Commerce Department's Denied Persons List, Unverified List or Entity List, or (b) you intend to supply the acquired goods, services or software to Cuba, Iran, North Korea, Sudan or Syria (or a national or resident of one of these countries) or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List or Entity List.

CONTACTING US:

You may contact us regarding these Terms of Use or the System by any of the following methods:

EFFECTIVE DATE:

These Terms of Use are effective as of May 12, 2017, and shall remain in effect until modified and/or updated as provided herein.

Privacy Policy

Last revised: January 1, 2012

SavvyCard is a product and service owned and operated by SavvyPhone, LLC. SavvyPhone, LLC (referred to herein as
"SavvyPhone", "our", "us" or "we") knows that as a subscriber to our system and services (“Subscriber”) you care
how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly.
This notice describes our Privacy Policy. We are committed to respecting the privacy rights of those visiting our
website at SavvyPhone.com and using our software and system which is available through our website, (hereafter
collectively referred to as the "system" or "systems"). SavvyPhone created this Privacy Policy to give you confidence
as you visit and use the system, and to demonstrate our commitment to fair information practices and to the protection
of your privacy.

Your use of our website and the systems are also governed by our Terms of Service.

This Privacy Policy is only applicable to the system and not to any Third-Party systems or websites, which may have
data collection, storage, and use practices and policies that differ materially from this Privacy Policy. For additional
information, see the section concerning Third-Party systems, below.

During the initial registration, and periodically thereafter, each SavvyCard user shall be required to click “Accept”
for the terms of this Privacy Policy thus acknowledging and consenting to its content. Additionally, any future material
revisions to this Privacy Policy will require an additional “Accept” for the terms of an updated Policy prior to re-entry
into the system.

For additional information, see the section concerning Revisions, below.

By visiting SavvyCard®, you are accepting and agreeing to the practices described in this Privacy Policy.

How Do We Collect Information?

Why Do We Collect Personal Information?

What Personal Information Does SavvyPhone Gather?

What About Cookies?

Does SavvyPhone Share the Information It Receives?

How Secure Is Information About Me?

What About Third-Party systems, Links to Other systems and Advertising?

Which Information Can I Access?

What Choices Do I Have?

Are Children Allowed to Use SavvyPhone systems?

Conditions of Use, Notices, and Revisions

Examples of Information Collected

How Do We Collect Information

We collect information from Subscribers and visitors to the systems at different points on the systems, including: when
you register or create an account; when you place an order; when you enter promotions or sweepstakes; when you subscribe
to a newsletter or desire to be added to our mailing lists for other products or services; when you correspond, update your
account information or otherwise interact with us; when you provide user generated content (blog posts, comments, photos,
videos, messages, social media, etc.); and when you provide feedback in any of our online surveys.

Why Do We Collect Personal Information?

We collect Personal Information (as defined below) to provide products and services to you, improve the manner by which we
operate, offer our products and services, communicate with you about those products and services, and provide effective,
timely customer support when needed. We will never rent or sell any of the Personal Information we collect from you to
third parties and we do not share your personal information except as set forth in this Privacy Policy without your prior
consent or as otherwise permitted by applicable law.

What Personal Information Does SavvyPhone Gather?

The information we gather from our Subscribers and visitors helps us provide products and services to you, and to personalize
and continually improve your experience of SavvyPhone systems. Information we collect may include but is not limited to: your
name, e-mail address, phone number, address, product preference information, billing information, demographic information
provided by you (such as language, gender and age, and, if applicable, content preferences and personalization information)
and personal interest information. Additionally, if you use our SavvyCard functionality, we collect and store all personal
information which you choose to add to your SavvyCard. As this information will be / may be accessible by others, you
should take care in adding confidential or sensitive information to your SavvyCard, such as financial information, health
and medical information, and other sensitive information.

Here is more detail regarding the types of information we gather:

Traffic Data: Like most system operators, SavvyPhone automatically gathers information
of the sort that browsers automatically make available, including: (i) IP addresses;
(ii) domain servers; (iii) types of devices accessing the system; and (iv) types of
Web browsers accessing the system (collectively "Traffic Data"). Traffic Data is anonymous
information that does not personally identify you.

Information You Give Us: We receive and store any information you enter on our system
or give us in any other way. See below for examples of what we collect. You can choose
not to provide certain information, but then you might not be able to take advantage of
many of our features. We use the information that you provide for such purposes as
interacting with you, offering support, making suggestions, responding to your requests,
and communicating with you.

Personal Information: Through your use of or visits to our systems, you may be required
or requested to provide personally identifiable information and other personal information
(hereafter "Personal Information") to us. Personal Information is any piece of information
which can potentially be used to uniquely identify, contact, or locate a single person.
“Personal Information” also includes such information protected by applicable laws relating
to the privacy and security of personal data and information. Such information includes,
without limitation: (1) contact data (such as your name, mailing address and e-mail address);
(2) demographic data (such as your age, gender, profession, education level, country, state,
city and likes and dislikes,); and may include (3) financial data" (such as your credit/debit
card number and expiration date). In each case, you will be asked to provide Personal Information;
the system will not gather it automatically or surreptitiously. SavvyPhone may supplement the
Personal Information you provide with additional Personal Information gathered from public
sources or from third-parties (e.g., consumer reporting agencies) who may lawfully provide
such information to SavvyPhone. You are under no obligation to provide Personal Information -
however, if you decide not to do so, you may be prevented from using certain of the features
and services available on the system.

Automatic Information: We receive and store certain types of information whenever you interact
with us. For example, like many systems, we use "cookies," and we obtain certain types of
information when your Web browser accesses SavvyPhone systems and other content served by or
on behalf of SavvyPhone on other systems. See below for examples of the automatic information
we receive.

E-mail Communications: To help us make e-mails more useful and interesting, we often receive
a confirmation when you open e-mail from SavvyPhone systems if your computer supports such
capabilities.

Information that you make Public: The systems may contain features (e.g. public profiles,
forums, and message boards) that permit you to upload, post, transmit, display, perform or
distribute content, information or other material, including some of your Personal Information.
Any information that you choose to disclose by means of such features becomes public information
over which SavvyPhone is unable to exercise control. You should exercise caution when deciding
to disclose your Personal Information by means of such features, and you agree to assume all
responsibility for doing so.

Information from Other Sources: We might receive information about you from other sources and
add it to our account information. See below for examples of the information we receive.

What About Cookies?

Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through
your Web browser to enable our systems to recognize your browser and to provide certain features
such as the storage of key information. The purpose of a Cookie is to identify the user as a
unique user of the system. SavvyPhone uses Cookies to customize your experience on the system,
to remember viewing preferences, to ensure that you do not see the same information repeatedly,
and to store your username so you do not have to re-enter it each time you visit the system.
Like other major systems, SavvyPhone uses cookies to provide you with a tailored experience when
visiting SavvyPhone systems and using our products or services.

We treat any Personal Information that may be contained in cookies with the same level of
confidentiality as other information you provide to us. If you wish to disable cookie functionality,
you may do so by changing the security settings on your browser.

The Help portion of the toolbar on most browsers will tell you how to prevent your browser from
accepting new cookies, how to have the browser notify you when you receive a new cookie, or how
to disable cookies altogether. Additionally, you can disable or delete similar data used by browser
add-ons by changing the add-on's settings or visiting the system of its manufacturer. However, because
cookies allow you to take advantage of some of SavvyPhone, LLC's essential features, we recommend that
you leave them enabled.

IF YOU DO NOT WISH TO HAVE COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD SET YOUR BROWSERS TO REFUSE
COOKIES BEFORE ACCESSING THE SYSTEM, WITH THE UNDERSTANDING THAT CERTAIN OF THE SERVICES AND CERTAIN
FEATURES OF THE SYSTEM MAY NOT FUNCTION PROPERLY OR FUNCTION AS EFFICIENTLY WITHOUT THE AID OF COOKIES.
IF YOU REFUSE COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

How Does SavvyPhone Use the Information It Receives?

Information about our Subscribers and visitors is an important part of our business, and we are not in
the business of selling it to others. We share Subscriber and visitor information only as described below
and with subsidiaries SavvyPhone controls that either are subject to this Privacy Policy or follow practices
at least as protective as those described in this Privacy Policy.

Traffic Data and Information Gathered Using Cookies: SavvyPhone analyzes Traffic Data and information
gathered using Cookies to help SavvyPhone better understand who is using the system and how they are
using it. By identifying patterns and trends in usage, SavvyPhone is able to better design the system
to improve your experience, and to serve you more relevant and interesting content. From time to time,
SavvyPhone may release Traffic Data and information gathered using Cookies in the aggregate, such as by
publishing a report on trends in the usage of the system. SavvyPhone does not attempt to link information
gathered using Cookies to Personal Information.

Personal Information: Personal Information that is collected from Subscribers, visitors, Product or
Services Purchases and/or Surveys is used and disclosed as described in this Privacy Policy. Except
as specifically set forth in this Privacy Policy, SavvyPhone DOES NOT share Personal Information.
SavvyPhone, may share aggregated information from time to time with its partners or other third parties.
When such aggregate information is shared by SavvyPhone, it does not include personally identifiable
information that reveals your identity.

Third-Party Service Providers: We employ other companies and individuals to perform functions on our
behalf. Examples include system development or hosting, sending e-mail, analyzing data, providing marketing
assistance, providing search results and links (including paid listings and links), processing credit card
payments, and providing Subscriber service. They have access to Personal Information needed to perform their
functions, but may not use it for other purposes.

Disclosure Practices: Except under the following circumstances and otherwise as set forth in this Privacy
Policy, SavvyPhone will keep your Personal Information private and will not sell it to or share it with
third parties.

Disclosure in Connection with Services: SavvyPhone discloses Personal Information to those who help it
provide Services, including those who perform technical, administrative and data processing tasks such as
hosting, billing, fulfillment, and data storage and security.

Third Parties Who Work With SavvyPhone: SavvyPhone may share your Personal Information with trusted vendors
and partners who work with SavvyPhone. These partners are provided with your Personal Information to help us
communicate with you about offers from us and from our marketing partners. They are contractually required to
keep this Personal Information secure and to only use it for the purposes for which it is provided. SavvyPhone
may send Personal Information about you to other companies or people when we need to share your information
to provide the product or service you have requested, or to provide a product or service to you. However,
these companies are only permitted to use the Personal Information for these purposes.

By Law or to Protect Rights: SavvyPhone discloses Personal Information when:

required to do so by law, or in response to a subpoena, court order or other legal request; or

required to do so by law, or in response to a subpoena, court order or other legal request; or

when SavvyPhone believes in its sole discretion that disclosure is reasonably necessary to:

enforce or apply our Terms of Service; or

protect the safety, property, or rights of SavvyPhone, our Subscribers, our visitors, third parties, or the
public at large.

This includes exchanging information with other companies and organizations for fraud protection and credit
risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing
personally identifiable information from Subscribers or visitors for commercial purposes in violation of the
commitments set forth in this Privacy Policy.

Business Transfers: SavvyPhone reserves the right to transfer all Personal Information in its possession to a
successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion
of SavvyPhone's assets. Other than to the extent ordered by a bankruptcy or other court and subject to applicable
law, the use and disclosure of all transferred Personal Information will be subject to this Privacy Policy or
to a new privacy policy if you are given notice of that new privacy policy and an opportunity to affirmatively
opt-out of it. Personal Information submitted or collected after a transfer, however, may be subject to a new
privacy policy adopted by SavvyPhone's successor organization, as permitted under applicable law.

Unpaid Accounts: If you fail to pay any balance owed in consideration of Services, SavvyPhone may, as permitted
by law, report you’re Personal Information, including without limitation your unpaid balance, to consumer credit
reporting services, collection agencies and others.

Invite a Friend: When you invite family or friends to join a SavvyPhone system program, SavvyPhone shall send an
email on your behalf to the indicated recipient. Your name and email address will appear in the "From" line of
such email. If sending from a mobile device, your phone number may also appear.

With Your Consent: You will receive notice when information about you might be shared with third parties in
situations not provided for in this Policy, and you will have an opportunity to choose not to share the information.
Additionally, we will share Personal Information in accordance with your consent or other instructions.

Communications From Us

Updates and Promotional Offers: By registering as a Subscriber or making a purchase or other inquiry
through the system, you consent to receive periodic email and other communications from us. For example,
SavvyPhone sends all new Subscribers a welcoming email to verify password, username, and acceptance of
the Terms of Service and this Privacy Policy. All Subscribers will occasionally receive information on
products, services, promotions and newsletters. Individuals who have not registered with SavvyPhone and
who grant permission will also receive occasional information on products, services, promotions, and the
like.

Service Announcements: On rare occasions it is necessary to send out a strictly service-related announcement.
For instance, if our service is temporarily suspended for maintenance, we might send Subscribers an email.
Generally, Subscribers may not opt-out of these communications, though they can deactivate their account.
However, these communications are not promotional in nature.

Customer Service: SavvyPhone communicates with Subscribers via email, regular mail and telephone on a regular
basis to provide requested services and in regards to issues relating to their SavvyPhone account or usage.

How Secure Is Information About Me?

SavvyPhone uses industry standard safeguards to protect the security of the data you send us with physical,
electronic, and managerial procedures. We urge you to take every precaution to protect your personal data
when you are on the Internet. To make purchases from SavvyPhone system, you must use an SSL-enabled browser.
SavvyPhone uses industry-standard Secure Sockets Layer (SSL) encryption on web pages used to complete a purchase.
This protects the confidentiality of your personal and credit card information while it is transmitted over the
Internet. We reveal only the last four digits of your credit card numbers when confirming an order. Of course,
we transmit the entire credit card number to the appropriate credit card company during order processing.

While SavvyPhone takes reasonable precautions to ensure the security of your data, no one can completely guarantee
the safety of data transmitted over the internet. It is important that you take steps to ensure the safety and
security of your Personal Information, for example by not sharing passwords or other registration data. Be sure
to sign off when finished using a shared computer.

What About Third-Party Systems, Links to Other systems and Advertising?

Our system may include third-party links to other systems. Except as set forth in this Privacy Policy, we do not
provide any personally identifiable Subscriber or visitor information to these third-party systems.

These third-party systems sometimes use technology to send (or "serve") the information that appears on our system
directly to your browser. They automatically receive your IP address when this happens. They may also use cookies,
JavaScript, web beacons (also known as action tags or single-pixel gifs), and other technologies to measure the
effectiveness of their information and to personalize its content. We do not have access to or control over cookies
or other features that they may use, and the information practices of these advertisers and third-party systems are
not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices.
In addition, the Network Advertising Initiative (networkadvertising.org) offers useful information about Internet
advertising companies (also called "ad networks" or "network advertisers"), including information about targeted or
interest-based advertising, and how to opt-out of their information collection.

Which Information Can I Access?

SavvyPhone gives you access to a broad range of information about your account and your interactions with SavvyPhone
for the limited purpose of viewing and, in certain cases, updating that information. You can access your information
by logging into https://www.savvycard.com/account/login and then entering
your email and a password.

What Choices Do I Have?

As is discussed above, you can always choose not to provide information, even though it might be needed
to make a purchase or to take advantage of certain SavvyPhone features.

If you do not want to receive e-mail or other mail from us, please adjust your Notifications preferences.
(If you do not want to receive Terms of Service and other legal notices from us, such as this Privacy
Policy, those notices will still govern your use of SavvyPhone systems, and it is your responsibility
to review them for changes.)

The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting
new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies
altogether. Additionally, as discussed more fully above, you can disable or delete similar data used by
browser add-ons by changing the add-on's settings or visiting the system of its manufacturer. However,
because cookies allow you to take advantage of some of SavvyPhone's essential features, we recommend
that you leave them enabled.

Are Children Allowed to Use SavvyPhone Systems?

SavvyPhone is committed to the safety of all children. Persons under the age of 18 may not register as a
SavvyPhone Subscribers. SavvyPhone does not sell products or services for use or purchase by children.
If you are under 18, you may use the systems only with the involvement of a parent or guardian. SavvyPhone
does not solicit or knowingly collect personally identifiable information from children under the age of 13.
If SavvyPhone obtains actual knowledge that it has collected personally identifiable information from a child
under the age of 13, SavvyPhone will promptly delete such information from its database. Because SavvyPhone
does not collect personally identifiable information from children under the age of 13, SavvyPhone has no
such information to use or disclose to third parties. SavvyPhone has designed this Privacy Policy in order
to comply with the Children's Online Privacy Protection Act (COPPA).

Terms of Use, Notices, and Revisions

If you choose to visit SavvyPhone systems, your visit and any dispute over privacy is subject to this
Privacy Policy and our Terms of Service, including limitations on damages, resolution of disputes, and
application of the law of the state of Florida. If you have any concern about privacy at SavvyPhone,
please contact us with a thorough description, and we will try to resolve it. You may reach us by email
at: . Our business changes constantly,
and our Privacy Policy and the Terms of Service will change also. We may e-mail periodic reminders of our
notices and conditions, unless you have instructed us not to, but you should check our system frequently
to see recent changes. Unless stated otherwise and to the extent permitted by applicable law, our current
Privacy Policy applies to all information that we have about you and your account. We stand behind the promises
we make, however, and will never materially change our policies and practices to make them less protective of
Subscriber information collected in the past without the consent of affected Subscribers.